Youngstown, OH · Charter 96812
NCUA · 1 branch
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | -0.31% | -0.47% | -0.21% | -0.26% | -0.12% | 0.20% | -0.06% | +15 bps | |
| Return on Equity | 0.26% | -0.87% | -1.35% | -0.60% | -0.70% | -0.33% | 0.52% | -0.15% | +44 bps | |
| Net Interest Margin | 2.31% | 2.24% | 2.29% | 2.36% | 2.53% | 2.64% | 2.88% | 3.11% | +75 bps | |
| Efficiency Ratio | 95.94% | 92.59% | 103.06% | 96.13% | 92.58% | 104.53% | 93.05% | 81.01% | -1,512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.43% | -0.27% | -1.76% | -3.40% | -3.43% | -5.40% | -9.77% | -12.83% | -943 bps | |
| Loan Growth (YoY) | 13.85% | 11.33% | 11.79% | 16.96% | 13.88% | 14.04% | -0.55% | -7.26% | -2,422 bps | |
| Share Growth (YoY) | 0.53% | -0.44% | -2.61% | -5.09% | -4.94% | -7.73% | -14.93% | -19.27% | -1,418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 2.23% | 1.94% | 0.79% | 1.56% | 0.77% | 0.83% | 0.63% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.17% | 0.47% | 0.64% | 0.60% | 1.05% | 0.14% | 0.15% | 1.20% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.54% | 35.08% | 34.78% | 34.80% | 36.55% | 36.88% | 38.64% | 39.77% | +498 bps | |
| Net Worth / Assets | 35.54% | 35.08% | 34.78% | 34.80% | 36.55% | 36.88% | 38.64% | 39.77% | +498 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.84% | 59.63% | 63.34% | 67.17% | 72.88% | 73.70% | 74.05% | 77.16% | +999 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |